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About andrew1

This topic was closed on 10 March 2019.
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- Consumer Action Group

This topic was closed on 10 March 2019.
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- Consumer Action Group

This topic was closed on 03/08/19.
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- Consumer Action Group

This topic was closed on 03/07/19.
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- Consumer Action Group

I wonder why they changed your account number? That usually, in Accounting terms at least would imply a change somewhere internally such as a securitisation or sale of the loan product to some SPV or other new lender perhaps or a change in product.
They won't tell you of course and the name and everything else will remain the same, but computerised systems are programmed and these sorts of changes are not just randomly applied without good 'internal' reasons. If you raise the question they'll tell you nothing's changed as far as you are concerned and your liabilities remain as was, but keep an eye on your paperwork Markez if and when you do a DSAR on them. The devil's in the detail and it could raise other interesting issues. Keep notes of the dates you spotted that and raise it if you find anything 'unusual'.
It's like when you see a wart come up on your skin, you know something's going on underneath.
Nothing like a good scratch to uncover it!!
Have a good weekend.

That's good news Markez and it sounds like you are budgeting well, but keep a bit back for a rainy day just in case you do get a surprise expense and the mtg payment looks vulnerable. Having a payment tucked under the mattress might come in handy although getting these dross out of your hair quicker is paramount to your longer term aims.
Well done thus far.

We had this problem when attacking Swift who operate the same business model. They put their rates up in a similar manner when the Libor and B of E rates plummeted and somehow, when they took people into court and the point was argued, they said the increases reflected their own 'borrowing' and financing costs which the Judges seem to accept as okay as this was to fund the business and did not reflect Libor or B of E like most other high street banks.
It's another ruse by companies who operate this kind of sub-prime business which seems to be above the intelligence of the Judiciary to see through. It just makes it harder for people like you markez to argue when faced with court hearings and is another reason why you should get the hell out of their grips at the first opportunity.
Just listen to what the guys here say though, they know what they're saying.
Keep calm and just keep to the payment plan.
good luck.

Thoughts in my day? - How many free days do we have before we are inundated with Brexit all over again? Hasn't this last week or so been wonderfully silent on all that?
Let's hope the imbeciles left in charge to sort this do so in an educated way....!

Now you're giving me evil thoughts labrat, makes me think I might make a visit to an acquaintance who keeps a fair few diamonds in her safe!
Happy new year!
But I agree, far too much on these Youtube video's which help the not so friendly characters out there.
Now, about that locking picking experience you say you have!!

Thanks Honeybee, me too - but just imagine how I feel right now whilst he, in his new car he had to hurridly buy, is today driving 900 miles to Berlin with the family for Christmas - and back in 3 wks time!!
I daren't even think about it!!
Kids!!

My only child, my son, drives 70 miles a day each way to and from work on the motorway. Three weeks ago, just after 8.15 pm in the dark and in driving rain he aquaplaned and lost the back of the car in a slide.
Thanks to his youth on the XBox and these games they play, he steered out of the first slide, the car went the other way and he steered out of that slide too. Then his tyres hit drier road and the car shot into the central barrier broadside, the whole back panel broke off, the car spun around twice going across 3 lanes of the motorway from the outside lane to the hard shoulder and the car came to rest near the ditch.
Most days there would have been a line of HGV's waiting to greet him as he spun out of control, most days there would have been a line of cars speeding behind him. Most days there would have been carnage and I would have lost my son under a pile of twisted metal.
That day - he was spared. Just a bump on the head, a bit of the shakes and a reality check. He walked away!
The car was wrecked and looking from the back of the car to the front, I could see the width of the near-side wheel which had been exposed when the side of his car was punched-in from crashing against the barrier.
Occasionally people look back and wonder what would have happened-you are right.
A wife, two young children, my only son.
There is a God, or an angel or something or somebody who thought that day was not for taking him.
I look back and wonder.
But that's heart attack material if ever there was - for him and for me! This time I'm lucky.
May you all have a happy and safe Christmas.
Drive carefully.

Thanks King, that's most helpful. Would you recommend any particular masonry paint at all? He just wants to do it white again, but given the messy surface, would it need anything in particular to cover those already badly filled patches of repair?
Many thanks